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New Contributor
MYBEST
Posts: 52
Registered: ‎08-18-2010

Re: Kays CLI

Do you know who Jared and Key pull through??


EQ Starting Score: 584 | TU Starting Score: 547
EQ Current Score: 622 | TU Current Score: 640 | EX Current Score: 643
EQ Goal Score: 700 | TU Goal Score: 700 | EX Goal Score: 700
*Staying* in the garden and no (more) applying until mid-end of 2013!



Valued Member
maynie
Posts: 29
Registered: ‎01-19-2010

Re: Kays CLI

Equifax for me

Frequent Contributor
BrandonSS
Posts: 339
Registered: ‎08-31-2010

Re: Kays CLI

seems like 90% of lenders pull EQ... poor EQ gets abused! :smileymad:

3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
Frequent Contributor
dddfresh
Posts: 294
Registered: ‎01-11-2013

Re: Kays CLI

I have $5000 that I opened w kays. I thought i was smart and applied to jareds and bought a watch so it would report. Now on my credit reports it shows 2500 for each store. Screwed myself big time!!!

5/2013: MyFico EQ 655, EXP 675(amex decline letter), TU 669.
NFCU Flagship Sig. $12,500..NFCU CashRwds $1000..NFCU LOC $12,500..AMEX Green NPSL...Discover IT $1500...BofA Cash Rewards 1-2-3 $2500...Southwest Premier $2000..Chase Freedom $1500..CareCredit $3500..Cap1-$1500..HSBC $300..Merrick Bank $1400..Lowes $1500...WalMart $1500...JCP $1000..Chevron $900..Kays/Jerrod - $5000 split. around 8% Util. in 2011 my scores were in the low 500's. Didnt know a dang thing. Looking to get into the 700's in 2013.
Have three old paid charge offs. LAST APP 5/13/13 :/ Have 15-20 inquires across the board oopsies
Mega Contributor
LS2982
Posts: 14,393
Registered: ‎04-09-2011

Re: Kays CLI

I'm not very happy with Kays. The rep lied to me when I apped in December in-store they approved me for $2,000. I asked for a higher line because I didn't want to spend over half of my limit and she called CS and they upped it to 2,700. OK I got what I needed for the DW and it reports as 2,000 not 2,700. I call and the rep. pretty much says there's nothing they can do they review accounts every 6 months and they'll see if I qualify. I hate when people give misinformation!




Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013

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